110 97th Ave W, Duluth, MN 55808 Property Records

St. Louis County property record for 110 97th Ave W, Duluth, MN 55808

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,255 sqft · built 1941
Lot Size	0.16 acres (7,003 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Sep 2021)
Tax Bill	$2,562 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-4040-02080`

Property Details

APN / Parcel Number

Primary APN	`010-4040-02080`
Alternative APN	`1117243`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,255 sqft Gross Area
1st Floor Area	850 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1975
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,003 sqft (0.16 acres)
Garage Area	660 sqft
Pool Type	Spa / Hot Tub (No Pool)
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1117243
Street Address	110 97TH AVE W
City	DULUTH
State	MN
Zip	55808-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 11 AND 12 SERIAL #
Legal Subdivision	SMITHS ADD TO NEW DULUTH 1ST D
Legal Block	9
Legal Lot Number	11-12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2033
Census Tract	3800

Owner

Source: St. Louis County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	110 97TH AVE W, DULUTH, MN 55808-2109
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2025	Deed of Trust, Mortgage US BANK NA
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Nov 17, 2009
Deed Document Number	20211424870
Prior Transfer Date	Feb 1, 2005
Prior Transfer Doc	0000978098
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	110 97TH AVE W, DULUTH, MN 55808-2109
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001520109
Date	Oct 13, 2025
Instrument	1520109

Lender

Name	US BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Sep 22, 2055

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	110 97TH AVE W, DULUTH, MN 55808-2109
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001424872
Date	Sep 17, 2021
Instrument	1424872

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2031

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 17, 2021
Property Address	110 97TH AVE W, DULUTH, MN 55808-2109
Document Number	0001424870
Instrument Date	Sep 10, 2021
Instrument	1424870
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 97TH AVE W, DULUTH, MN 55808-2109

Mortgage

Document Number	0001424871
Date	Sep 17, 2021
Instrument	1424871

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,562.00 (+13.66%) Homeowner's exemption
2025	$2,254.00 (+2.55%) Homeowner's exemption	$175,800 (+10.91%) Land $16,700 Building $159,100	$175,800 (+10.91%) Land $16,700 Building $159,100
2024	$2,198.00	$158,500 (+14.11%) Land $16,400 Building $142,100	$158,500 (+14.11%) Land $16,400 Building $142,100
2022		$138,900 Land $18,500 Building $120,400	$138,900 Land $18,500 Building $120,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	27 units insured incl. 26 condo units
Nearby Flood Claims	4 (2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Airfiber.

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